Vehicle Rates


Great rates, fast approval, and exceptional service from your local lending experts! 

concept of speedometer. Buckle Up Our Loan Approval Is Fast

Finance a new or used car, truck, UTV, camper, motorcycle, boat, jet ski, or other recreational vehicle and get a great rate from 1st CCU!  Your loan is affordable and you can sit back and enjoy your Summer!

It's so convenient when you apply online, and you can even skip the trip to the credit union by asking your lender for e-Signing of the loan documents from the comfort of your home.

APPLY ONLINE BECOME A MEMBER (opens in a new window) REQUEST MORE INFO

 

*APR = ANNUAL PERCENTAGE RATE. ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. SOME RATES MAY CONTAIN A BALLOON.  RESTRICTIONS MAY APPLY. 100% FINANCING ON VEHICLE LOANS AVAILABLE TO QUALIFIED BORROWERS. CONTACT A LOAN OFFICER FOR FULL DETAILS. RATES SHOWN BELOW ARE CURRENT AS OF 12/02/2022:

VEHICLE AND RECREATIONAL RATES POSTED HERE THE LOWEST AVAILABLE TO QUALIFIED BORROWERS. YOUR RATE MAY BE HIGHER AND WILL BE DETERMINED BY THE LOAN TYPE, MODEL YEAR, TERMS, AMOUNT FINANCED, AND YOUR CREDIT HISTORY. SEE A LOAN OFFICER FOR DETAILS AND AVAILABLE TERMS. 
Auto Loans As Low As: 24 Mo APR* 36 Mo APR* 48 Mo APR* 60 Mo APR* 72 Mo APR** 84 Mo APR**
New 2022-2023 (<15,000 miles) as low as
5.75% 5.90% 6.05% 6.20% 6.50% 6.725%
Used Vehicle 2018-2022 as low as
6.00% 6.15% 6.30% 6.45% 6.75% ---
Used Vehicle 2012-2017 as low as 6.75% 6.90% 7.05% 7.20% --- ---
Older Vehicles as low as 9.20% 9.45% 9.95% 10.70% --- ---
Older vehicle loans not eligible for discounts; minimum loan amount $1,000
Recreational Loans                      As Low As: 24 Mo APR* 36 Mo APR* 48 Mo APR* 60 Mo APR* 72 Mo APR** 84 Mo APR** 120 Mo APR**
UTV's, ATV's, Boats, Campers (Motor Homes, Travel Trailers, 5th Wheels), Snowmobiles, Skidoos:

2018-2023 as low as 6.25% 6.40% 6.55% 6.70% 7.00% 7.25% 8.25%
Used 2012-2017 as low as 6.75% 6.90% 7.05% 7.20% 7.50% --- ---
Older Recreational as low as 9.20% 9.45% 9.95% 10.70% --- --- ---
Some terms may contain a balloon

*APR = ANNUAL PERCENTAGE RATE. ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. SOME RATES MAY CONTAIN A BALLOON.  RESTRICTIONS MAY APPLY. 100% FINANCING ON VEHICLE LOANS AVAILABLE TO QUALIFIED BORROWERS. CONTACT A LOAN OFFICER FOR FULL DETAILS. 

**SOME RESTRICTIONS APPLY FOR TERMS THAT ARE 72 MONTHS, 84 MONTHS, OR 120 MONTHS. SEE A LOAN OFFICER FOR QUALIFICATIONS.

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See what our members are saying about their Auto/Recreational Loan experience:

Lindsey was outstanding. Very knowledgeable and quick responses.

Cynthia - member since 2022


Very happy with Leianna and the loan process. Love working with Leianna, she is spot on every time I have worked with her and makes the process very smooth, quick and painless. Just the way it should be. She goes above and beyond to get the job done. Thank you!

Sandra - member since 2014


Britny Ferris is exceptional at her job. She's very professional, yet friendly. I applied by phone because there was a problem with the website at the time of my application a few weeks ago. I'm very happy with the entire process.

Andrew - member since 2021


My car loan was a speedy and pleasant experience. Jennifer Rickert was amazing!

Janey - member since 2022


Luke is great to work with. Very prompt with getting information back to us.

Leonard - member since 2021


Britny is quick to reply with all my questions and makes the process so smooth.

Ben - member since 2021


Leianna was excellent to work with!  Financing can be confusing, but she explained everything. Thank you!

Margo - member since 2022

Britny was an absolute delight to work with. I've never found anything but great assistance and prompt service in 35 years of banking there.

Harry - member since 1986


Jennifer was extremely patient with my lack of loan/finance knowledge as well as with the difficulty in communication with the dealership. I couldn't have asked for a better experience. Everyone I've encountered at Sparta 1st CCU has always been happy and helpful. My entire family and I are proud to bank there!

Jeslyn - member since 2018


I've had multiple different loans through 1st CCU. I've always been happy with my experiences. This time I found a motorcycle I wanted to purchase and walked in with the purchase amount. Within about 45 minutes I was on my way to the dealership.

Cory - member since 2009


I like how Lucas informed me of options available, but did not push when told no.

William - member since 2011